PayThink

The regulatory relief legislation rolls back several stress test requirements for regional and midsize banks, putting more onus on financial institutions and their regulators to ensure banks are managing their risk appropriately.

Students and their families are often not aware of how complicated the cross-border tuition process can be until they’re in the process, writes Steve Villegas, vice president of partner management for PPRO's U.S. headquarters.

Incumbent bank wires and checks, for example, carry slow settlement times and poor exchanges rates, while some newer fintech alternatives lack the interoperability with one another to scale and sometimes prioritize speed over security, writes Peter Shore, general manager of Transpay

Financial institutions can improve monitoring of suspicious activity and potentially risky customers using algorithms, but they need to treat this new technology with caution.

Fintechs are entering the market to close the time gap in gig economy payments between businesses and consumers. This will fundamentally change business models for banks, according to Lauren Reuf, a research analyst at Nvoicepay.

ICOs and other startups often spread misinformation to generate buzz. Gamification and machine learning can foster information-sharing that cuts through the hype, writes Hermann Finnbjornsson, the CEO of Svandis.

To improve bank oversight, policymakers should eliminate overly complex rules in favor of principles-based regulation.

People need to know their money is safe. With regulations, users rest easy knowing that the exchange isn't going to get shut down for ignoring basic legal responsibilities and duties, writes Nate Flanders, co-founder and CEO of Mandala Exchange.

There are so many reasons — the credit cycle, the plight of small banks or competition from Amazon and foreign banks — that the head of JPMorgan could live to regret that statement.

Amid rising interest rates and vehicle costs, longer loan terms and more, credit union auto lenders have two paths they can take to manage the challenges and opportunities that lie ahead.